U.S. Longshore and Harbor Workers' Compensation Act Insurance Fort Worth

Fort Worth businesses deserve a partner who understands local maritime risks and federal regulations.
• Deep understanding of Fort Worth's unique inland port operations
• Expert knowledge of federal maritime laws and Texas state regulations
• Customized coverage for Fort Worth's diverse maritime workforce
We go beyond standard USL&H coverage by offering comprehensive risk assessments, safety training programs, and claims management services. Our enhanced policies include coverage for unique Fort Worth scenarios, such as inland waterway operations and air cargo handling at Alliance Airport.
• Inland Port Operators: Businesses managing cargo at Fort Worth's inland port facilities require USL&H coverage for workers involved in loading, unloading, and related activities.
• Shipbuilders and Repairers: Companies engaged in vessel construction or repair along the Trinity River need protection against workplace injuries covered under the USL&H Act.
• Stevedoring Companies: Firms handling cargo at Fort Worth's intermodal facilities must ensure USL&H compliance for their longshoremen and dock workers.
• Maritime Construction Firms: Contractors working on marine infrastructure projects, such as Trinity River improvements, need USL&H coverage for their employees.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for Fort Worth's maritime workforce, addressing both federal requirements and local industry needs.

USL&H insurance in Fort Worth typically costs between $20 to $25 per $100 of payroll. However, individual premiums can vary based on several factors:
Unique aspects of Fort Worth's inland maritime operations, such as Trinity River activities, may influence pricing based on associated risks.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
The LHWCA insurance is a federal workers' compensation program designed for maritime employees in Fort Worth and across the U.S. It covers workers engaged in maritime activities on or near navigable waters, including loading/unloading vessels, ship repair, and harbor construction. This specialized insurance provides medical care, disability benefits, and rehabilitation services for work-related injuries or illnesses, offering broader coverage than standard Texas workers' compensation.
In Fort Worth, businesses operating near the Trinity River or involved in maritime activities need LHWCA insurance. This includes companies working on or adjacent to navigable waters, such as those at the Port of Fort Worth. Specifically, longshoremen, harbor workers, ship repairers, and some construction workers on or near water may require coverage. Even businesses not directly on water might need it if their employees occasionally work in covered areas.
LHWCA insurance in Fort Worth offers more comprehensive benefits than Texas workers' compensation. It provides higher compensation rates, typically 66.67% of the worker's average weekly wage, compared to Texas' 70% but with a lower cap. LHWCA coverage extends to a broader range of maritime-related injuries and illnesses. Additionally, it allows workers to sue third parties for negligence, which is often restricted under standard Texas workers' comp laws.
Failing to carry LHWCA insurance in Fort Worth can result in severe penalties. Employers may face fines of up to $10,000 per day of noncompliance or imprisonment for up to one year. They might also be liable for a 10% additional compensation to injured workers. In Texas, where workers' comp is generally optional, LHWCA remains mandatory for eligible maritime employers. The Department of Labor's Office of Workers' Compensation Programs enforces these regulations strictly.
To obtain LHWCA insurance in Fort Worth, contact specialized maritime insurance providers or brokers familiar with Texas maritime laws. They can assess your business operations and determine coverage needs. You'll need to provide details about your workforce, payroll, and specific maritime activities. Some large commercial insurers offer LHWCA coverage, but for Fort Worth businesses, local providers with expertise in Texas maritime operations may offer more tailored solutions.
Yes, Fort Worth businesses can and often should have both LHWCA and Texas workers' compensation insurance. This dual coverage is common for companies with diverse workforces, where some employees qualify for LHWCA while others fall under state jurisdiction. Having both ensures comprehensive protection for all workers. However, it's crucial to work with an experienced Fort Worth insurance agent to properly classify employees and avoid overlapping coverage or gaps in protection.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.